Credit Union Safety Analysis
Is Rize Federal Credit Union Safe? Irwindale, California
Based on its Q2 2026 NCUA 5300 call report, Rize Federal Credit Union has a net worth ratio of 10.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.89%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Rize Federal Credit Union's net worth ratio is 10.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.39%
- Delinquency ratio (60+ days) (Q2 2026): 0.89%
- Return on assets (Q2 2026): -0.23%
- Loan-to-share ratio (Q2 2026): 97.22%
Rize Federal Credit Union (NCUA charter 7835, established 1952) reported $1.29B in assets and 87,161 members for Q2 2026 from Irwindale, California. It ranks 55 of 238 credit unions in California by total assets. Total assets grew 3.9% from $1.25B on June 30, 2025. It has 11,514 more members than on June 30, 2025 (+15.2%). Its net worth ratio was up 0.16 percentage points from 10.23% on June 30, 2025. Commercial loans are its largest loan category, $273.0M of $1.03B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.32% for Q1 2026; 10.23% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.94% for Q1 2026; 0.55% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: -0.33% for Q1 2026; 0.26% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 93.58% for Q1 2026; 91.19% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $273.0M
- 1- to 4-family residential and other consumer real estate loans: $271.6M
- New vehicle loans: $159.5M
- Used vehicle loans: $124.1M
- Other unsecured loans and lines of credit: $117.0M
- Other secured non-real estate loans and lines of credit: $43.6M
- Unsecured credit card loans: $37.0M
- Non-federally guaranteed student loans: $48K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.29B | 10.39% | 0.89% | -0.23% | 97.22% |
| March 31, 2026 | $1.31B | 10.32% | 0.94% | -0.33% | 93.58% |
| December 31, 2025 | $1.27B | 10.10% | 0.91% | 0.21% | 97.51% |
| September 30, 2025 | $1.25B | 10.21% | 0.64% | -0.04% | 93.91% |
| June 30, 2025 | $1.25B | 10.23% | 0.55% | 0.26% | 91.19% |
| March 31, 2025 | $1.24B | 10.09% | 0.71% | 0.44% | 88.29% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Rize Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7835) · FFIEC NIC profile (RSSD 161086)
Frequently asked questions
Is Rize Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Rize Federal Credit Union's net worth ratio is 10.39%, above the 7% NCUA threshold for well capitalized.
Is Rize Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Rize Federal Credit Union is a federally insured credit union (NCUA charter 7835): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Rize Federal Credit Union's key safety ratios?
For Q2 2026, Rize Federal Credit Union reports net worth 10.39%, delinquency 0.89%, ROA -0.23%, loan-to-share 97.22%.
What happens to my money if Rize Federal Credit Union fails?
For Q2 2026, Rize Federal Credit Union held $1.06B in shares and deposits for 87,161 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.